linda, detroit. orlando. detroit is interesting. >> it is. obviously, it is a city that has been hollowed out by the population. detroit and cleveland, a lot of those cities, simply they are not going to have the population growth and income growth really to support higher housing prices. it's just going to kind of stay in the dumps. >> one of the expertise i spoke to says there could be as much as a 10% gain. when this thing turns, it is really going to turn. you're going to wish that he would have been in this. >> part of that is because we have tremendous pent-up demand for new homes. we have had this depletion of new household formation and people doubling up. once it gets moving, many documents are created as you sell a home. once you're are able to sell the one you're sitting on, it has a little bit of a momentum effect. i'm wondering if things are going to get a little looser with their standards as to who they will hand out loans to. >> the biggest things are dealing with the backlog of not just foreclosures or potential foreclosures,